Alaska Cosmetology Insurance

Once you have legally obtained your cosmetology license in the state of Alaska, you can provide a variety of beauty services, including hair care and styling, facial treatments, makeup artistry, manicures, pedicures, and more. These services can make your clients leave each appointment feeling healthier and more empowered.

This is the goal of every cosmetologist, but unfortunately due to the closeness of the majority of cosmetic services, accidents can happen. Although every cosmetologist’s goal is to ensure the client leaves happy, there will never be 0% risk. Fortunately for you, managing these risks is simple. Carrying the proper liability insurance can save both yourself and your business from financial downfall.

What cosmetology insurance covers?

Professional liability (or malpractice): protects against claims from clients who have suffered injury or damages due to negligence on behalf of the cosmetologist. A solid professional liability insurance policy will offer protective coverage for a wide range of cosmetology professions including hairdressers, beauticians, nail technicians, estheticians, makeup artists, and barbers.

General liability (or slip-and-fall scenario): protects both yourself and your business from a lawsuit potentially stemming from products supplied by your service or customers experiencing injury in the environment in which you run your business. For example, a client could slip on product residue on the floor and make a claim for the damages he or she suffered.

What cosmetology insurance covers?

Do I have prerequisites to complete?

If you are at least 17 years old and have a high school education or equivalent, you are eligible to obtain a cosmetology license in the state of Alaska.

What do I need to do to obtain my cosmetology license?

You will have to complete 1,650 school hours or 2,000 apprentice hours and pass both written and practical exams.

Do I need a license to be a cosmetology instructor?

Yes, you will need to have completed three years in practice and passed the appropriate exams, or completed one year in practice and 600 training hours.

Does the state of Alaska require me to complete continuing education units (CEUs)?

No, CEUs are not required in the state of Alaska.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license by August 31 of each odd-numbered year—along with a $160 dollar fee or a $240 instructor fee.

Moving to Alaska from another state?

No problem, just make sure you hold a current license in a state with equivalent requirements. And, you must have worked one year full-time plus have completed 1,500 school hours; or have two years of full-time employment completed.

Why do you need cosmetology liability insurance?

Based on various factors that differ with each client, he or she may sue an esthetician for pain and/or distress of an incident. For example, a client’s skin may react negatively to a facial treatment. The client could then file a lawsuit for his or her damages, but professional liability insurance would cover the esthetician from these types of legal claims.

Another example includes a slightly different scenario. A client receives a rash on her scalp as a result of a hair treatment. The hair stylist could not only be sued for any injuries suffered by the client, but also for any loss of income on behalf of the client that may have occurred in connection with the incident.

But, have no fear. Cosmetology insurance will protect the hair stylist against any legal claims that may be filed against his or her.

Because of the type of industry, there will always be risks in providing cosmetology services. If you’re in the cosmetology industry practicing in the state of Alaska, choose to cover both your reputation and your business—obtain appropriate cosmetology insurance and practice without fear of financial burden.

The Liability master policy is issued to the Insurance Plus Risk Purchasing Group, members of which are also members of Protection and The Doyle Group. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Protection Plan Association, Inc. Protection Plan, Inc. is the insurance partner for Beauty Insurance Plus. Willis of New York, Inc., a 50-state licensed broker, is the broker for all coverage under the Beauty Insurance Plus program. Willis of New York, Inc. also serves as excess and surplus lines broker for the Beauty Insurance Plus Program. Professional Liability and Commercial General Liability coverage under the Beauty Insurance Plus program is underwritten in the surplus lines market by Aspen Specialty Insurance Company, which is rated A (Excellent) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Beauty Insurance Plus is included as a member benefit of Protection Plan Association, Inc., an association for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Neither Insurance Plus Risk Purchasing Group, Protection Plan Association, Inc., The Doyle Group or Beauty Insurance Plus are insurers. All Rights Reserved Copyright 2018 Privacy Policy
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